arckit-cli 6.1.1__py3-none-any.whl

arckit_cli-6.1.1.data/data/share/arckit/.arckit/templates/uae-uaepass-template.md

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+# UAE Pass Integration Design
+
+> **Template Origin**: Community | **ArcKit Version**: [VERSION] | **Command**: `/arckit:uae-uaepass`
+
+## Document Control
+
+<!-- DOC-CONTROL-HEADER -->
+<!-- Resolved at command-execution time per _partials/RENDERING.md. -->
+
+## Revision History
+
+| Version | Date | Author | Changes | Approved By | Approval Date |
+|---------|------|--------|---------|-------------|---------------|
+| [VERSION] | [YYYY-MM-DD] | ArcKit AI | Initial creation from `/arckit:uae-uaepass` | [PENDING] | [PENDING] |
+
+## Executive Summary
+
+[Two to three paragraphs describing the service's UAE Pass integration posture: which user journeys authenticate with UAE Pass, the chosen profile mix (Basic vs Verified), and any e-signature obligations.]
+
+## Scope
+
+| Item | Value |
+|------|-------|
+| Federal entity (Service Provider) | [name] |
+| In-scope user journeys | [list] |
+| User populations | [citizens / residents / visitors / employees] |
+| Out-of-scope journeys (with rationale) | [list] |
+| Service Provider category (TDRA / ICP onboarding) | [Public / Private / Government] |
+
+## Authentication Flow Diagram
+
+```mermaid
+sequenceDiagram
+    participant U as User Agent
+    participant SP as Service Provider
+    participant IDP as UAE Pass IdP
+    U->>SP: Visit protected resource
+    SP->>U: 302 redirect to /idshub/authorize (Authorization Code + PKCE)
+    U->>IDP: Authorization request (client_id, scope, code_challenge)
+    IDP->>U: User authenticates (mobile app push / SMS-OTP)
+    IDP->>U: 302 redirect to SP callback with code
+    U->>SP: GET /callback?code=...
+    SP->>IDP: POST /idshub/token (code + code_verifier)
+    IDP->>SP: id_token + access_token
+    SP->>IDP: GET /idshub/userinfo (access_token)
+    IDP->>SP: claims (sub, idn, fullnameEN, ...)
+    SP->>U: Establish session, render service
+```
+
+## Profile Selection (Basic vs Verified)
+
+| User journey | Profile required | Rationale | Upgrade path if user arrives Basic-only |
+|--------------|------------------|-----------|------------------------------------------|
+| [journey] | [Basic / Verified] | [rationale] | [redirect to UAE Pass kiosk / video-KYC URL] |
+
+> Verified profile requires prior Emirates ID verification. Basic profile is sufficient for read-only and low-assurance journeys; Verified is required for KYC-bound transactions and for any flow that uses UAE Pass e-signature.
+
+## Claim Mapping
+
+| UAE Pass claim | SP user-record field | Required? | Consent / privacy note |
+|----------------|----------------------|-----------|------------------------|
+| `sub` | `external_subject_id` | Y | Stable subject identifier — primary join key |
+| `idn` (Emirates ID) | `emirates_id` | [Y/N] | Personal data — PDPL Article 5 lawful basis required |
+| `fullnameEN` | `name_en` | [Y/N] | [note] |
+| `fullnameAR` | `name_ar` | [Y/N] | [note] |
+| `mobile` | `mobile` | [Y/N] | [note] |
+| `email` | `email` | [Y/N] | [note] |
+| `nationalityEN` | `nationality_en` | [Y/N] | [note] |
+| `nationalityAR` | `nationality_ar` | [Y/N] | [note] |
+| `gender` | `gender` | [Y/N] | [note] |
+| `dob` | `date_of_birth` | [Y/N] | Sensitive — minimise retention |
+| `profileType` | `uaepass_profile_type` | Y | Discriminates Basic vs Verified |
+
+## Service Provider Onboarding Checklist
+
+| Onboarding artefact | Status | Owner | Notes |
+|---------------------|--------|-------|-------|
+| Sandbox client credentials issued | [PENDING / DONE] | [owner] | [notes] |
+| Production credentials request submitted | [PENDING / DONE] | [owner] | [notes] |
+| Callback URL allow-list registered | [PENDING / DONE] | [owner] | [notes] |
+| Branding pack supplied (logo, service name AR/EN) | [PENDING / DONE] | [owner] | [notes] |
+| Security review completed (TDRA / ICP) | [PENDING / DONE] | [owner] | [notes] |
+| Privacy notice updated to disclose UAE Pass claim usage | [PENDING / DONE] | [owner] | [notes] |
+| Go-live readiness review | [PENDING / DONE] | [owner] | [notes] |
+
+## E-signature Audit Trail Design
+
+For every journey that invokes the UAE Pass e-signature endpoint, record:
+
+| Field | Source | Storage | Retention |
+|-------|--------|---------|-----------|
+| Signed document hash | SP-computed (SHA-256) before signing request | [WORM store / records system] | [period] |
+| Signed document (PDF/A) | UAE Pass signing response | [WORM store] | [period] |
+| Signer subject identifier (`sub`) | UAE Pass `id_token` | [audit log] | [period] |
+| Emirates ID (`idn`) | UAE Pass `id_token` (Verified only) | [audit log — encrypted] | [period] |
+| Signature timestamp | UAE Pass response | [audit log] | [period] |
+| Certificate chain | UAE Pass response | [audit log] | [period] |
+| User consent artefact | SP-captured before signing | [audit log] | [period] |
+
+State the legal-effect citation supporting non-repudiation of the signed artefact under UAE law.
+
+## External References
+
+### Document Register
+
+| Doc ID | Title | URL | Verified date |
+|--------|-------|-----|---------------|
+| UAE-PASS-DEV | UAE Pass Developer Documentation | <https://docs.uaepass.ae/> | [YYYY-MM-DD] |
+
+### Citations
+
+| Citation | Doc ID | Section | Used in |
+|----------|--------|---------|---------|
+| [UPASS-1] | UAE-PASS-DEV | Authorization Code flow | Authentication Flow Diagram |
+| [UPASS-2] | UAE-PASS-DEV | Profile types | Profile Selection (Basic vs Verified) |
+| [UPASS-3] | UAE-PASS-DEV | UserInfo claims | Claim Mapping |
+| [UPASS-4] | UAE-PASS-DEV | E-signature endpoint | E-signature Audit Trail Design |
+
+### Unreferenced Documents
+
+[List any documents read during generation but not cited, or "None".]
+
+---
+
+**Generated by**: ArcKit `/arckit:uae-uaepass` command
+**Generated on**: [DATE]
+**ArcKit Version**: [VERSION]
+**Project**: [PROJECT_NAME]
+**Model**: [AI_MODEL]

arckit_cli-6.1.1.data/data/share/arckit/.arckit/templates/uae-zero-bureaucracy-template.md

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+# UAE Zero Bureaucracy Service Catalogue Review
+
+> **Template Origin**: Community | **ArcKit Version**: [VERSION] | **Command**: `/arckit:uae-zero-bureaucracy`
+
+## Document Control
+
+<!-- DOC-CONTROL-HEADER -->
+<!-- Resolved at command-execution time per _partials/RENDERING.md. -->
+
+## Revision History
+
+| Version | Date | Author | Changes | Approved By | Approval Date |
+|---------|------|--------|---------|-------------|---------------|
+| [VERSION] | [YYYY-MM-DD] | ArcKit AI | Initial creation from `/arckit:uae-zero-bureaucracy` | [PENDING] | [PENDING] |
+
+## Executive Summary
+
+[Two to three paragraphs describing the federal entity's service portfolio in scope, the headline reduction commitments under Zero Bureaucracy, and the alignment with the UAE Code for Government Services principles.]
+
+## Service Catalogue Mapping
+
+| Service ID | Service name | Customer journey | Federal catalogue ID | Channel(s) | Zero Bureaucracy status |
+|------------|--------------|------------------|----------------------|------------|--------------------------|
+| [SVC-001] | [name] | [journey] | [catalogue ID] | [digital / branch / kiosk / call-centre] | [Not Started / In Progress / Compliant] |
+
+## Bureaucracy Elimination Baseline
+
+For each service, capture the current state and the committed target across the four bureaucracy dimensions.
+
+| Service ID | Steps (current → target) | Fields (current → target) | Time to outcome (current → target) | Customer cost (current → target) | Target date |
+|------------|---------------------------|---------------------------|-------------------------------------|-----------------------------------|-------------|
+| [SVC-001] | [n → n] | [n → n] | [duration → duration] | [AED → AED] | [YYYY-MM-DD] |
+
+> Baseline metrics must be evidenced — record the data source (ticket system, journey analytics, customer surveys) and the measurement window.
+
+| Service ID | Baseline data source | Measurement window |
+|------------|----------------------|---------------------|
+| [SVC-001] | [source] | [from – to] |
+
+## Customer Experience KPIs
+
+| KPI | Definition | Baseline | Target | Reporting cadence | Owner |
+|-----|------------|----------|--------|-------------------|-------|
+| CSAT | Customer satisfaction (1–5) post-transaction | [n] | [n] | Monthly | [owner] |
+| NPS | Net Promoter Score | [n] | [n] | Monthly | [owner] |
+| First-Time Right | % transactions completed without rework | [n %] | [n %] | Monthly | [owner] |
+| Digital Adoption | % transactions completed via digital channel | [n %] | [n %] | Monthly | [owner] |
+| Failure Demand | % contacts caused by service failure | [n %] | [n %] | Monthly | [owner] |
+
+## Code Compliance Statement
+
+| Code principle | Evidence of compliance | Gap / remediation |
+|----------------|------------------------|-------------------|
+| Proactive (anticipates customer need) | [evidence] | [gap] |
+| Omni-channel (consistent across channels) | [evidence] | [gap] |
+| Personalised (uses known customer context) | [evidence] | [gap] |
+| Simple (minimum effort, plain language) | [evidence] | [gap] |
+| Fast (delivered without delay) | [evidence] | [gap] |
+
+## External References
+
+### Document Register
+
+| Doc ID | Title | URL | Verified date |
+|--------|-------|-----|---------------|
+| UAE-CAB-2026-04-23 | UAE Cabinet meeting — Code for Government Services and Zero Bureaucracy | <https://mediaoffice.ae/en/news/2026/april/23-04/mohammed-bin-rashid-chairs-uae-cabinet-meeting> | [YYYY-MM-DD] |
+
+### Citations
+
+| Citation | Doc ID | Section | Used in |
+|----------|--------|---------|---------|
+| [ZBUR-1] | UAE-CAB-2026-04-23 | Code for Government Services principles | Code Compliance Statement |
+| [ZBUR-2] | UAE-CAB-2026-04-23 | Zero Bureaucracy programme | Bureaucracy Elimination Baseline |
+
+### Unreferenced Documents
+
+[List any documents read during generation but not cited, or "None".]
+
+---
+
+**Generated by**: ArcKit `/arckit:uae-zero-bureaucracy` command
+**Generated on**: [DATE]
+**ArcKit Version**: [VERSION]
+**Project**: [PROJECT_NAME]
+**Model**: [AI_MODEL]

arckit_cli-6.1.1.data/data/share/arckit/.arckit/templates/uk-fs-consumer-duty-board-report-template.md

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+## FCA Consumer Duty Annual Board Report — {{REPORTING_YEAR}}
+
+**Firm**: {{FIRM_NAME}}
+**FRN**: {{FRN}}
+**Board meeting date**: {{BOARD_MEETING_DATE}}
+**Reporting period**: {{REPORTING_PERIOD_START}} to {{REPORTING_PERIOD_END}}
+
+### Board Attestation
+
+The Board has reviewed the Consumer Duty assessment and confirms that the firm:
+
+- [ ] Has identified the retail products and services in scope of the Duty
+- [ ] Has assessed outcomes against the four outcomes (Products & Services, Price & Value, Consumer Understanding, Consumer Support)
+- [ ] Has acted to address harm and improve outcomes where identified
+- [ ] Has met its obligations under Principle 12 and PRIN 2A
+
+**Attested by**: {{SMF3_CEO_NAME}}, {{SMF7_GROUP_ENTITY_SM_NAME}}, {{OTHER_SMF_NAMES}}
+**Date**: {{ATTESTATION_DATE}}
+
+<!-- These placeholders pull from §§2-5 of the master template — keep values consistent. -->
+
+### Outcome Summary Table
+
+| Outcome | Status (Green / Amber / Red) | Key evidence | Material change since prior year | Forward action |
+|---------|------------------------------|--------------|----------------------------------|----------------|
+| Products & Services | {{PS_OUTCOME_STATUS}} | {{PS_OUTCOME_EVIDENCE}} | {{PS_OUTCOME_CHANGE}} | {{PS_OUTCOME_ACTION}} |
+| Price & Value | {{PV_OUTCOME_STATUS}} | {{PV_OUTCOME_EVIDENCE}} | {{PV_OUTCOME_CHANGE}} | {{PV_OUTCOME_ACTION}} |
+| Consumer Understanding | {{CU_OUTCOME_STATUS}} | {{CU_OUTCOME_EVIDENCE}} | {{CU_OUTCOME_CHANGE}} | {{CU_OUTCOME_ACTION}} |
+| Consumer Support | {{CS_OUTCOME_STATUS}} | {{CS_OUTCOME_EVIDENCE}} | {{CS_OUTCOME_CHANGE}} | {{CS_OUTCOME_ACTION}} |
+
+### Foreseeable Harms Status
+
+| Harm ID | Description | Severity | Mitigation | Residual | Owner |
+|---------|-------------|----------|------------|----------|-------|
+| {{HARM_1_ID}} | {{HARM_1_DESCRIPTION}} | {{HARM_1_SEVERITY}} | {{HARM_1_MITIGATION}} | {{HARM_1_RESIDUAL}} | {{HARM_1_OWNER}} |
+
+<!-- Add additional harm rows as needed -->
+
+### Vulnerable Customer Cohort Summary
+
+{{VULNERABLE_CUSTOMER_SUMMARY}}
+
+### Forward Plan ({{NEXT_REPORTING_YEAR}})
+
+1. {{BOARD_FORWARD_ACTION_1}}
+2. {{BOARD_FORWARD_ACTION_2}}
+3. {{BOARD_FORWARD_ACTION_3}}
+
+<!-- Add additional forward actions as needed -->

arckit_cli-6.1.1.data/data/share/arckit/.arckit/templates/uk-fs-consumer-duty-template.md

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+# FCA Consumer Duty Annual Board Report
+
+> **Template Origin**: Community | **ArcKit Version**: [VERSION] | **Command**: `/arckit:uk-fs-consumer-duty`
+
+## Document Control
+
+<!-- Default: OFFICIAL. Upgrade to OFFICIAL-SENSITIVE if this document contains specific
+     pricing models, fraud-rate data, or vulnerable-customer cohort breakdowns that could
+     be exploited if disclosed to competitors or bad actors. Driven by
+     user_config.default_classification. -->
+
+| Field | Value |
+|-------|-------|
+| **Document ID** | {{DOCUMENT_ID}} |
+| **Document Type** | FCA Consumer Duty Annual Board Report |
+| **Project** | {{PROJECT_NAME}} |
+| **Classification** | {{CLASSIFICATION}} |
+| **Status** | DRAFT |
+| **Version** | 1.0 |
+| **Created Date** | {{CREATED_DATE}} |
+| **Last Modified** | {{LAST_MODIFIED}} |
+| **Review Cycle** | Annual (Board sign-off required before each anniversary of the Duty in-force date) |
+| **Next Review Date** | {{NEXT_REVIEW_DATE}} |
+| **Owner** | {{DOCUMENT_OWNER_ROLE}} — {{DOCUMENT_OWNER_NAME}} |
+| **Reviewed By** | PENDING |
+| **Approved By** | PENDING |
+| **Distribution** | {{DISTRIBUTION}} |
+| **Reporting Period** | {{REPORTING_PERIOD_START}} to {{REPORTING_PERIOD_END}} |
+| **Firm Legal Name** | {{FIRM_LEGAL_NAME}} |
+| **FCA Firm Reference Number** | {{FCA_FRN}} |
+| **Consumer Duty in-force date for this firm** | {{CONSUMER_DUTY_IN_FORCE_DATE}} |
+
+## Revision History
+
+| Version | Date | Author | Changes | Approved By | Approval Date |
+|---------|------|--------|---------|-------------|---------------|
+| 1.0 | {{CREATED_DATE}} | ArcKit AI | Initial creation from `/arckit:uk-fs-consumer-duty` command | PENDING | PENDING |
+
+<!-- Add additional rows as needed -->
+
+---
+
+## Executive Summary
+
+{{EXECUTIVE_SUMMARY_PARAGRAPH_1}}
+
+{{EXECUTIVE_SUMMARY_PARAGRAPH_2}}
+
+{{EXECUTIVE_SUMMARY_PARAGRAPH_3}}
+
+> ⚠️ This document is a **working artefact** — not a final regulatory submission. All Consumer Duty
+> assessments must be reviewed and signed off by qualified UK FS regulatory counsel, the firm's
+> Compliance Officer, the firm's MLRO (where the vulnerable-customer identification methodology or
+> price-personalisation logic intersects with AML risk profiling or customer-onboarding flows), and
+> the SMF holders who will attest the report before Board presentation. Regulatory citations reflect
+> the position as at the document creation date; verify against current FCA publications — including
+> any updated FG22/5 guidance or board-report observations — before reliance.
+
+---
+
+## 1. Firm and Product Context
+
+### 1.1 Firm Authorisation Details
+
+| Field | Value |
+|-------|-------|
+| **Legal entity name** | {{FIRM_LEGAL_NAME}} |
+| **FCA Firm Reference Number** | {{FCA_FRN}} |
+| **Authorisation / registration type** | {{FIRM_AUTHORISATION_TYPE}} |
+| **Consumer Duty in-force date** | {{CONSUMER_DUTY_IN_FORCE_DATE}} |
+| **SMF holder (Compliance Oversight)** | {{SMF_COMPLIANCE_NAME}} — {{SMF_COMPLIANCE_FUNCTION}} |
+| **SMF holder (CEO / most senior)** | {{SMF_CEO_NAME}} — {{SMF_CEO_FUNCTION}} |
+
+### 1.2 In-Scope Retail Products
+
+{{IN_SCOPE_RETAIL_PRODUCTS_NARRATIVE}}
+
+| Product / Service | Channel | Retail customers (approx.) | Consumer Duty in-force date | Notes |
+|-------------------|---------|---------------------------|----------------------------|-------|
+| {{PRODUCT_1_NAME}} | {{PRODUCT_1_CHANNEL}} | {{PRODUCT_1_CUSTOMER_COUNT}} | {{PRODUCT_1_IN_FORCE_DATE}} | {{PRODUCT_1_NOTES}} |
+| {{PRODUCT_2_NAME}} | {{PRODUCT_2_CHANNEL}} | {{PRODUCT_2_CUSTOMER_COUNT}} | {{PRODUCT_2_IN_FORCE_DATE}} | {{PRODUCT_2_NOTES}} |
+| {{PRODUCT_3_NAME}} | {{PRODUCT_3_CHANNEL}} | {{PRODUCT_3_CUSTOMER_COUNT}} | {{PRODUCT_3_IN_FORCE_DATE}} | {{PRODUCT_3_NOTES}} |
+
+<!-- Add additional rows as needed -->
+
+### 1.3 Out-of-Scope Services
+
+The following products or channels are **out of scope** for this Board Report and the reason:
+
+{{OUT_OF_SCOPE_NARRATIVE}}
+
+### 1.4 Customer Population Overview
+
+| Customer segment | Approximate size | Primary use case | Vulnerability indicator (if known) |
+|------------------|-----------------|-----------------|-------------------------------------|
+| {{SEGMENT_1_NAME}} | {{SEGMENT_1_SIZE}} | {{SEGMENT_1_USE_CASE}} | {{SEGMENT_1_VULNERABILITY}} |
+| {{SEGMENT_2_NAME}} | {{SEGMENT_2_SIZE}} | {{SEGMENT_2_USE_CASE}} | {{SEGMENT_2_VULNERABILITY}} |
+| {{SEGMENT_3_NAME}} | {{SEGMENT_3_SIZE}} | {{SEGMENT_3_USE_CASE}} | {{SEGMENT_3_VULNERABILITY}} |
+
+<!-- Add additional rows as needed -->
+
+---
+
+## 2. Outcome 1: Products and Services
+
+### 2.1 Target Market Assessment
+
+**Target market definition**: {{TARGET_MARKET_DEFINITION}}
+
+| Criterion | Assessment | Evidence |
+|-----------|-----------|----------|
+| Who the product is designed for | {{TARGET_MARKET_DESIGNED_FOR}} | {{TARGET_MARKET_DESIGNED_FOR_EVIDENCE}} |
+| Who the product is NOT suitable for (negative target market) | {{NEGATIVE_TARGET_MARKET}} | {{NEGATIVE_TARGET_MARKET_EVIDENCE}} |
+| Distribution strategy alignment | {{DISTRIBUTION_STRATEGY_ALIGNMENT}} | {{DISTRIBUTION_STRATEGY_EVIDENCE}} |
+| Product review cycle | {{PRODUCT_REVIEW_CYCLE}} | {{PRODUCT_REVIEW_EVIDENCE}} |
+
+### 2.2 Distribution Strategy
+
+{{DISTRIBUTION_STRATEGY_NARRATIVE}}
+
+### 2.3 Foreseeable Harms — Products and Services
+
+The following foreseeable harms were identified at the Products and Services design level.
+Full harm entries are in §7.
+
+| Harm ID | Brief description | Severity | Status |
+|---------|------------------|----------|--------|
+| {{PS_HARM_1_ID}} | {{PS_HARM_1_DESCRIPTION}} | {{PS_HARM_1_SEVERITY}} | {{PS_HARM_1_STATUS}} |
+| {{PS_HARM_2_ID}} | {{PS_HARM_2_DESCRIPTION}} | {{PS_HARM_2_SEVERITY}} | {{PS_HARM_2_STATUS}} |
+
+<!-- Add additional rows as needed -->
+
+### 2.4 Products and Services Outcome Assessment
+
+**Overall status**: {{PS_OUTCOME_STATUS}} (Green / Amber / Red)
+
+{{PS_OUTCOME_NARRATIVE}}
+
+---
+
+## 3. Outcome 2: Price and Value
+
+### 3.1 Fair-Value Assessment Methodology
+
+{{FAIR_VALUE_METHODOLOGY_NARRATIVE}}
+
+The firm's fair-value framework operates as follows:
+
+| Element | Detail |
+|---------|--------|
+| **Fair-value review cadence** | {{FAIR_VALUE_REVIEW_CADENCE}} |
+| **Fair-value committee / owner** | {{FAIR_VALUE_COMMITTEE}} |
+| **Benchmarking approach** | {{BENCHMARKING_APPROACH}} |
+| **Comparator firms used** | {{COMPARATOR_FIRMS}} |
+| **Cross-subsidisation assessment** | {{CROSS_SUBSIDISATION_ASSESSMENT}} |
+
+### 3.2 Total Cost to Consumer
+
+| Fee type | Amount / rate | Frequency | Consumer impact (annual estimate) | Notes |
+|----------|--------------|-----------|----------------------------------|-------|
+| Transaction fee | {{TRANSACTION_FEE}} | {{TRANSACTION_FEE_FREQUENCY}} | {{TRANSACTION_FEE_ANNUAL_IMPACT}} | {{TRANSACTION_FEE_NOTES}} |
+| FX spread mark-up | {{FX_SPREAD}} | Per FX transaction | {{FX_SPREAD_ANNUAL_IMPACT}} | {{FX_SPREAD_NOTES}} |
+| Account maintenance fee | {{ACCOUNT_FEE}} | {{ACCOUNT_FEE_FREQUENCY}} | {{ACCOUNT_FEE_ANNUAL_IMPACT}} | {{ACCOUNT_FEE_NOTES}} |
+| Inactivity / dormancy fee | {{INACTIVITY_FEE}} | {{INACTIVITY_FEE_FREQUENCY}} | {{INACTIVITY_FEE_ANNUAL_IMPACT}} | {{INACTIVITY_FEE_NOTES}} |
+| Ancillary charges (list each) | {{ANCILLARY_FEE}} | {{ANCILLARY_FEE_FREQUENCY}} | {{ANCILLARY_FEE_ANNUAL_IMPACT}} | {{ANCILLARY_FEE_NOTES}} |
+
+<!-- Add additional rows as needed -->
+
+**Total average annual cost per retail customer**: {{TOTAL_AVERAGE_ANNUAL_COST}}
+
+### 3.3 Benchmarking Results
+
+{{BENCHMARKING_RESULTS_NARRATIVE}}
+
+### 3.4 Fair-Value Statement
+
+{{FAIR_VALUE_STATEMENT}}
+
+> The Board is asked to confirm that it is satisfied this fair-value statement is supported by
+> the evidence in §3.2 and §3.3 before attesting to Outcome 2.
+
+### 3.5 Price and Value Outcome Assessment
+
+**Overall status**: {{PV_OUTCOME_STATUS}} (Green / Amber / Red)
+
+{{PV_OUTCOME_NARRATIVE}}
+
+---
+
+## 4. Outcome 3: Consumer Understanding
+
+### 4.1 Communications Testing
+
+{{COMMUNICATIONS_TESTING_NARRATIVE}}
+
+| Communication | Testing method | Sample size | Comprehension rate | Pass / fail | Remediation action |
+|--------------|---------------|-------------|-------------------|-------------|-------------------|
+| {{COMM_1_NAME}} | {{COMM_1_METHOD}} | {{COMM_1_SAMPLE}} | {{COMM_1_COMPREHENSION}} | {{COMM_1_RESULT}} | {{COMM_1_ACTION}} |
+| {{COMM_2_NAME}} | {{COMM_2_METHOD}} | {{COMM_2_SAMPLE}} | {{COMM_2_COMPREHENSION}} | {{COMM_2_RESULT}} | {{COMM_2_ACTION}} |
+| {{COMM_3_NAME}} | {{COMM_3_METHOD}} | {{COMM_3_SAMPLE}} | {{COMM_3_COMPREHENSION}} | {{COMM_3_RESULT}} | {{COMM_3_ACTION}} |
+
+<!-- Add additional rows as needed -->
+
+### 4.2 Disclosure Design Review
+
+{{DISCLOSURE_DESIGN_NARRATIVE}}
+
+### 4.3 Pre-Contract Information
+
+{{PRE_CONTRACT_INFO_NARRATIVE}}
+
+### 4.4 Consumer Understanding Outcome Assessment
+
+**Overall status**: {{CU_OUTCOME_STATUS}} (Green / Amber / Red)
+
+{{CU_OUTCOME_NARRATIVE}}
+
+---
+
+## 5. Outcome 4: Consumer Support
+
+### 5.1 Service-Level Evidence
+
+| Channel | Average response time | SLA target | SLA met? | Volume (year) | Notes |
+|---------|----------------------|-----------|----------|---------------|-------|
+| Phone | {{PHONE_RESPONSE_TIME}} | {{PHONE_SLA_TARGET}} | {{PHONE_SLA_MET}} | {{PHONE_VOLUME}} | {{PHONE_NOTES}} |
+| Live chat | {{CHAT_RESPONSE_TIME}} | {{CHAT_SLA_TARGET}} | {{CHAT_SLA_MET}} | {{CHAT_VOLUME}} | {{CHAT_NOTES}} |
+| Email | {{EMAIL_RESPONSE_TIME}} | {{EMAIL_SLA_TARGET}} | {{EMAIL_SLA_MET}} | {{EMAIL_VOLUME}} | {{EMAIL_NOTES}} |
+| In-app / self-serve | {{APP_RESPONSE_TIME}} | {{APP_SLA_TARGET}} | {{APP_SLA_MET}} | {{APP_VOLUME}} | {{APP_NOTES}} |
+
+<!-- Add additional rows as needed -->
+
+### 5.2 Customer Journey Analysis
+
+{{CUSTOMER_JOURNEY_NARRATIVE}}
+
+### 5.3 Complaint Trends
+
+| Metric | Current year | Prior year | Change (%) | Notes |
+|--------|-------------|-----------|------------|-------|
+| Total complaints received | {{COMPLAINTS_CURRENT}} | {{COMPLAINTS_PRIOR}} | {{COMPLAINTS_CHANGE}} | {{COMPLAINTS_NOTES}} |
+| Upheld complaints | {{UPHELD_CURRENT}} | {{UPHELD_PRIOR}} | {{UPHELD_CHANGE}} | {{UPHELD_NOTES}} |
+| FOS referrals | {{FOS_CURRENT}} | {{FOS_PRIOR}} | {{FOS_CHANGE}} | {{FOS_NOTES}} |
+| Avg. resolution time (days) | {{RESOLUTION_TIME_CURRENT}} | {{RESOLUTION_TIME_PRIOR}} | {{RESOLUTION_TIME_CHANGE}} | {{RESOLUTION_TIME_NOTES}} |
+| Complaints re: vulnerable customers | {{VULNERABLE_COMPLAINTS_CURRENT}} | {{VULNERABLE_COMPLAINTS_PRIOR}} | {{VULNERABLE_COMPLAINTS_CHANGE}} | {{VULNERABLE_COMPLAINTS_NOTES}} |
+
+<!-- Add additional rows as needed -->
+
+### 5.4 Consumer Support Outcome Assessment
+
+**Overall status**: {{CS_OUTCOME_STATUS}} (Green / Amber / Red)
+
+{{CS_OUTCOME_NARRATIVE}}
+
+---
+
+## 6. Vulnerable Customers
+
+### 6.1 Vulnerability Framework
+
+The firm applies the four vulnerability drivers from FG22/5 §2.2:
+
+| Driver | Definition used | Identification method |
+|--------|----------------|----------------------|
+| Health | {{HEALTH_DRIVER_DEFINITION}} | {{HEALTH_IDENTIFICATION_METHOD}} |
+| Life events | {{LIFE_EVENTS_DEFINITION}} | {{LIFE_EVENTS_IDENTIFICATION_METHOD}} |
+| Resilience | {{RESILIENCE_DEFINITION}} | {{RESILIENCE_IDENTIFICATION_METHOD}} |
+| Capability | {{CAPABILITY_DEFINITION}} | {{CAPABILITY_IDENTIFICATION_METHOD}} |
+
+### 6.2 Vulnerable Customer Cohort Identification
+
+| Cohort | Identification basis | Estimated proportion of customer base | Additional support provided | Evidence of effectiveness |
+|--------|---------------------|--------------------------------------|---------------------------|--------------------------|
+| {{COHORT_1_NAME}} | {{COHORT_1_BASIS}} | {{COHORT_1_PROPORTION}} | {{COHORT_1_SUPPORT}} | {{COHORT_1_EVIDENCE}} |
+| {{COHORT_2_NAME}} | {{COHORT_2_BASIS}} | {{COHORT_2_PROPORTION}} | {{COHORT_2_SUPPORT}} | {{COHORT_2_EVIDENCE}} |
+| {{COHORT_3_NAME}} | {{COHORT_3_BASIS}} | {{COHORT_3_PROPORTION}} | {{COHORT_3_SUPPORT}} | {{COHORT_3_EVIDENCE}} |
+
+<!-- Add additional rows as needed -->
+
+### 6.3 Gap Analysis
+
+**Proportion of customers with characteristics of vulnerability (estimated)**: {{VULNERABILITY_PROPORTION_ESTIMATE}}
+
+**Proportion accessing additional-support pathways**: {{ADDITIONAL_SUPPORT_ACCESS_RATE}}
+
+**Gap**: {{VULNERABILITY_GAP}}
+
+{{VULNERABILITY_GAP_NARRATIVE}}
+
+> ⚠️ A material gap between the estimated vulnerability proportion and the additional-support access
+> rate is a red flag. Document the gap explicitly and include a forward action in §8.
+
+---
+
+## 7. Foreseeable Harms Register
+
+This register captures all foreseeable harms identified across the four outcomes. "Foreseeable" is a
+forward-looking standard — the firm must assess harms that could arise from product design,
+distribution, target market, and operational capability, even where those harms have not yet
+materialised.
+
+| Harm ID | Outcome | Description | Likelihood | Impact | Severity | Mitigations | Residual severity | RISK artefact ref | Owner |
+|---------|---------|-------------|-----------|--------|----------|-------------|------------------|-------------------|-------|
+| HARM-001 | {{HARM_001_OUTCOME}} | {{HARM_001_DESCRIPTION}} | {{HARM_001_LIKELIHOOD}} | {{HARM_001_IMPACT}} | {{HARM_001_SEVERITY}} | {{HARM_001_MITIGATIONS}} | {{HARM_001_RESIDUAL}} | {{HARM_001_RISK_REF}} | {{HARM_001_OWNER}} |
+| HARM-002 | {{HARM_002_OUTCOME}} | {{HARM_002_DESCRIPTION}} | {{HARM_002_LIKELIHOOD}} | {{HARM_002_IMPACT}} | {{HARM_002_SEVERITY}} | {{HARM_002_MITIGATIONS}} | {{HARM_002_RESIDUAL}} | {{HARM_002_RISK_REF}} | {{HARM_002_OWNER}} |
+| HARM-003 | {{HARM_003_OUTCOME}} | {{HARM_003_DESCRIPTION}} | {{HARM_003_LIKELIHOOD}} | {{HARM_003_IMPACT}} | {{HARM_003_SEVERITY}} | {{HARM_003_MITIGATIONS}} | {{HARM_003_RESIDUAL}} | {{HARM_003_RISK_REF}} | {{HARM_003_OWNER}} |
+
+<!-- Add additional harm rows as needed -->
+
+---
+
+## 8. Year-on-Year Improvements and Forward Plan
+
+### 8.1 Improvements Since Last Reporting Period
+
+{{YEAR_ON_YEAR_IMPROVEMENTS_NARRATIVE}}
+
+| Improvement | Outcome affected | Evidence of impact | Date implemented |
+|-------------|-----------------|-------------------|-----------------|
+| {{IMPROVEMENT_1_DESCRIPTION}} | {{IMPROVEMENT_1_OUTCOME}} | {{IMPROVEMENT_1_EVIDENCE}} | {{IMPROVEMENT_1_DATE}} |
+| {{IMPROVEMENT_2_DESCRIPTION}} | {{IMPROVEMENT_2_OUTCOME}} | {{IMPROVEMENT_2_EVIDENCE}} | {{IMPROVEMENT_2_DATE}} |
+| {{IMPROVEMENT_3_DESCRIPTION}} | {{IMPROVEMENT_3_OUTCOME}} | {{IMPROVEMENT_3_EVIDENCE}} | {{IMPROVEMENT_3_DATE}} |
+
+<!-- Add additional rows as needed -->
+
+### 8.2 Forward Plan
+
+| Action | Outcome addressed | Owner | Target completion | Success metric |
+|--------|------------------|-------|------------------|----------------|
+| {{FORWARD_ACTION_1}} | {{FORWARD_ACTION_1_OUTCOME}} | {{FORWARD_ACTION_1_OWNER}} | {{FORWARD_ACTION_1_TARGET}} | {{FORWARD_ACTION_1_METRIC}} |
+| {{FORWARD_ACTION_2}} | {{FORWARD_ACTION_2_OUTCOME}} | {{FORWARD_ACTION_2_OWNER}} | {{FORWARD_ACTION_2_TARGET}} | {{FORWARD_ACTION_2_METRIC}} |
+| {{FORWARD_ACTION_3}} | {{FORWARD_ACTION_3_OUTCOME}} | {{FORWARD_ACTION_3_OWNER}} | {{FORWARD_ACTION_3_TARGET}} | {{FORWARD_ACTION_3_METRIC}} |
+
+<!-- Add additional rows as needed -->
+
+---
+
+## 9. Board Attestation
+
+{{INSERT_BOARD_REPORT_BLOCK_HERE}}
+
+---
+
+## 10. References
+
+| Reference | Citation | URL |
+|-----------|----------|-----|
+| FCA PS22/9 | A new Consumer Duty — Policy Statement (July 2022) | <https://www.fca.org.uk/publications/policy-statements/ps22-9-new-consumer-duty> |
+| FCA FG22/5 | Guidance for firms on the Consumer Duty (PDF, August 2022) | <https://www.fca.org.uk/publication/finalised-guidance/fg22-5.pdf> |
+| FCA PS22/9 PDF | A new Consumer Duty — Policy Statement PDF | <https://www.fca.org.uk/publication/policy/ps22-9.pdf> |
+| FCA Board Report Observations | Consumer Duty board reports: good practice and areas for improvement (December 2024, updated March 2026) | <https://www.fca.org.uk/publications/good-and-poor-practice/consumer-duty-board-reports-good-practice-areas-improvement> |
+| FCA Consumer Duty — Firms | Consumer Duty information for firms | <https://www.fca.org.uk/firms/consumer-duty/information-firms> |
+| FCA Handbook | FCA Handbook homepage (navigate to PRIN 2A for Consumer Duty rules) | <https://www.handbook.fca.org.uk> |
+| FCA 2022/31 | Consumer Duty instrument — introduces Principle 12 and PRIN 2A | <https://www.fca.org.uk/publication/policy/fca-2022-31.pdf> |
+
+---
+
+**Generated by**: ArcKit `/arckit:uk-fs-consumer-duty` command
+**Generated on**: [DATE]
+**ArcKit Version**: [VERSION]
+**Project**: [PROJECT_NAME]
+**Model**: [AI_MODEL]

arckit_cli-6.1.1.data/data/share/arckit/.arckit/templates/uk-fs-ctp-dependency-register-template.md

@@ -0,0 +1,24 @@
+### CTP / Material Third Party: {{PROVIDER_NAME}}
+
+<!-- PROVIDER_DESIGNATION_STATUS must be one of: "Designated CTP" / "Material non-CTP" / "Non-material" -->
+
+| Field | Value |
+|---|---|
+| Status | {{PROVIDER_DESIGNATION_STATUS}} |
+| Designation date (if applicable) | {{DESIGNATION_DATE}} |
+| Services consumed | {{SERVICES_CONSUMED_LIST}} |
+| Important Business Services dependent | {{DEPENDENT_IBS_REFERENCES}} |
+| Materiality score | {{MATERIALITY_SCORE}} |
+| Substitution time estimate | {{SUBSTITUTION_TIME_ESTIMATE}} |
+| Substitution complexity | {{SUBSTITUTION_COMPLEXITY}} |
+| Contractual exit clause | {{CONTRACTUAL_EXIT_CLAUSE_REFERENCE}} |
+| Data residency | {{DATA_RESIDENCY_LOCATIONS}} |
+| Sub-contractors (Nth party) | {{KEY_NTH_PARTIES}} |
+| Last resilience test date | {{LAST_RESILIENCE_TEST_DATE}} |
+| Test outcome | {{TEST_OUTCOME_NARRATIVE}} |
+| Concentration risk note | {{CONCENTRATION_RISK_NOTE}} |
+| Owning team | {{OWNING_TEAM}} |
+| Review cadence | {{REVIEW_CADENCE}} |
+| Next review date | {{NEXT_REVIEW_DATE}} |
+
+<!-- Repeat this block for each CTP / material third party in scope. -->